Formally-employed members will contribute through salary deduction. Their
employers will have the responsibility to remit the member’s savings and
their employer counterpart through the electronic payment and collection
facility (EPCF) on a monthly basis.
Other members may pay directly to the fund or through any of its accredited
When can a member withdraw his/her savings?
The member may withdraw his/her total accumulated value (TAV) upon
occurrence of any of the following:
Membership maturity after 20 years with 240 monthly contributions
Retirement at age 60 (optional)
Retirement at age 65 (mandatory)
Termination from service by reason of health
Permanent Departure from the Philippines
Permanent total disability or insanity
Upon death, in which case, his/her legal heirs will receive his/her TAV
plus an additional death benefit
What are the benefits of being a Pag-Ibig fund member?
A Pag-Ibig member is entitled to the following benefits:
Provident savings that are government-guaranteed and earn a tax-free dividend
Availment of short-term loan (STL): Multi-purpose loan to finance various
immediate needs and calamity loans for members residing in areas placed
under a state of calamity.
Availment of housing loans: Affordable housing loan packages with subsidized
interest rate for as low as 3% and regular housing loan package subject
to full-risk based pricing framework.